A boutique, client-first independent insurance agency for San Diego County families and businesses — built for California's hardest insurance market in a generation.
When CBS 8 needs a working insurance broker to explain why San Diego County homeowners are seeing their premiums triple — or what to do when carriers are leaving the insurance marketplace — they call Kiyoma. See the full press dossier →
If you wait until you have a claim to find out your coverage is wrong, it’s too late. This is the conversation to have right now. — Kiyoma Yoshizumi
Three segments. One story arc: how California’s market broke.
We’re getting 2–5 new calls a day — premiums up 3–5x, or non-renewed entirely. We can almost always find them something better. — Kiyoma Yoshizumi
As more insurance companies leave California, escrows are being delayed or canceled. We move fast so deals can close. — Kiyoma Yoshizumi
These are more of what we write today than ever before, because admitted insurance companies are the companies that are shut down right now in California. — Kiyoma Yoshizumi
Personal and commercial insurance is most powerful when it's coordinated. We write across home, auto, life, business, and specialty lines so the policies actually talk to each other — and there are no gaps when something happens.
When admitted carriers walk away from your fire-mapped property, we shop the specialty E&S markets that still write coverage — and structure the policy around what your home is actually worth to rebuild today.
Explore homeownersReal liability limits, multi-carrier shopping, deep bundling discounts. Not the California minimum.
Auto coverageTerm protection for the income-replacement years. Permanent for estate strategy. We model both.
Life coverageBOP, GL, workers' comp, professional liability, cyber. Built for North County firms and family-owned operations.
Commercial lines$1–5M of liability stacked above home and auto. The cheapest insurance dollar for dollar in California.
Umbrella coverageAgreed-value coverage for exotics, supercars, and collectibles through Hagerty, Grundy, and specialty markets. So bluebook never becomes the conversation.
Exotic & collector coverageBoats, RVs, motorcycles, off-road. Coverage that travels with you and pays out 200 miles from home.
Recreational coverageIncome guarantees in retirement, modeled honestly against alternatives. Coordinated with your CFP.
Annuity strategy
Every policy hand-built, every renewal shopped, claim advice handled by me personally — from the first call through close. That's the boutique-agency model.
What did change was the market. Between 2023 and 2025, California's insurance landscape underwent its hardest contraction in a generation. Many homeowners insurance companies pulled back, stopped writing new homeowners policies, and non-renewed thousands of fire-mapped properties. The agencies that grew through that period were the ones with deep specialty-market relationships and the willingness to do the work.
That's the agency Kiyoma built. When CBS 8 needed someone to explain the crisis to San Diego viewers, they called him. When local mortgage loan officers and realtors need a policy bound quickly to save an escrow, they call him. When a client's premium triples or a non-renewal letter arrives, this is the office that picks up.
Why neighbors keep referring usMost of our new business comes from referrals — from realtors who need an agent who can close escrow on a fire-mapped property, from neighbors who got non-renewed by their insurance company and didn't know who else to call, from estate planners and family attorneys who work with us on the back end of complex family estates. The model is simple, and thirteen years in, it still works: do the work that other agents won't, answer the phone when other agents don't, and be available when disaster strikes when you need claim advice.
If you've been looking for a reliable independent insurance broker in San Diego County or just someone who'll actually pick up when it matters most — this is the agency.
Kiyoma's professionalism and knowledge truly stand out. He is quick to respond to questions and missed calls. He is excellent at explaining the coverage, giving context and reason behind all the nuances of the insurance industry. I highly recommend working with Kiyoma to obtain a HOI policy for your escrow and other insurance needs.
We got insurance quotes from other agents and what impressed us most is that his are not only the best price but also with good agencies and great coverage. Absolute best!!
I switched after another company sent a non-renewal notice saying our house is in a wildfire zone. The change to Kiyoma was quick and smooth. He responded super fast and recommended the right coverage.
Having a personal insurance agent is huge. I've been with his agency since 2017 and don't bother getting quoted from other places — I trust Kiyoma will give me the best coverage at a competitive rate.
Kiyoma made switching my policies easy and efficient. I have my Home, Auto, and Life policies with him, which provides nice savings compared to working with 3 different companies.
Headquartered in Rancho Santa Fe, writing across thirteen North and Central San Diego County markets. Click a city for local underwriting context, fire-mapping notes, and a quote form tuned to your area.
Estate properties, the Covenant, Fairbanks Ranch, The Bridges, Cielo, Crosby, Rancho Pacifica.
Rancho Santa FeCedros, Lomas Santa Fe, Fletcher Cove. Coastal and inland markets both.
Solana BeachOld Encinitas, New Encinitas, Cardiff, Leucadia, Olivenhain. North County's largest coastal market.
EncinitasVillage, Aviara, La Costa, Bressi Ranch. Four ZIPs, four distinct underwriting profiles.
CarlsbadOceanfront, Mt. Soledad fire zones, Bird Rock, La Jolla Shores, La Jolla Farms.
La JollaInland fire-perimeter underwriting. Hidden Meadows, Lake Hodges, downtown.
EscondidoSurf-line homes, Composer District, Cardiff State Beach. Coastal salt-air considerations.
CardiffCays, oceanfront, military families, the Del. Tenured properties in family trusts.
CoronadoMaster-planned community underwriting. Santaluz, Crosby, Bernardo Heights.
Rancho BernardoCitywide. Mission Hills, North Park, Point Loma, Carmel Valley, Scripps Ranch, and the rest.
San DiegoSend the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow situation. There's no fee for quoting, no obligation to switch, and no pressure if your current coverage turns out to be the right answer.
If your question isn't here, send it through the form above — Kiyoma reads every inquiry personally and responds within one business day.
An independent agency shops your coverage across 30+ carriers — admitted and specialty E&S markets — rather than selling you one company's product. You get the carrier that fits your situation, not the carrier the agent gets paid to sell. In California's current market, that difference often means the difference between getting coverage at all and being non-renewed.
Nothing. There's no fee for quoting, comparing carriers, or reviewing your existing policy. We're paid by the carrier when a policy binds. If we can't beat or match what you have, we'll tell you straight — we'd rather keep the relationship than churn you into something you don't need.
Yes. Roughly 60% of our new homeowners business comes from properties non-renewed by admitted carriers. We work with specialty E&S markets that price for risk and offer the California FAIR Plan as a wrap-around when needed. Send the address and we'll tell you what's possible — usually same day.
Most personal lines: 24–48 hours. Escrow-sensitive transactions: same day, often within 4 hours. Commercial: 3–5 business days depending on complexity. If you have a hard deadline, tell us when you send the inquiry and we'll work backward from it.
Yes. You call my cell, I file with the carrier, I manage the adjuster relationship, and I stay involved until the claim closes. That's the boutique-agency model — you're not handed off to a 1-800 line and you don't fight the carrier alone.
Our office is in Rancho Santa Fe, but we write throughout San Diego County and across California for existing clients with second homes and businesses elsewhere. If your policy is in California, we can write it.
